people have come on the show and said because of obama care premiums are going down. you say get ready for sticker shock. >> i think the economy has driven that. and people fear of unemployment and slower economy people have less disposable income. so i think as we look forward i think the big impact is going to be on the individual market. as i have said before, based on all the things that we need to do, raising actuarial benefits from below 50% up to 60%, that's a 20% increase. including taxes and fees put on the affordable care act to pay for the people who are uninsured. that's another 5.5% to 6%. and normal trend, all of a sudden we're at 32% on average. >> if someone is trying to renew their health care coverage, they can expect 32% more? >> on average. >> what if they didn't have $64 -- you saw that early last week. insurance companies that ask corporations to pay that because you have to cover people that are really sick. how is that going to work itself out? why do you assist on that? >> we didn't insist on that. that's part of a reinsurance program to take